| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $12K | $15K | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 NONE | Contract Administrator; Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $112K |
| THE TABEN GROUP EIN 48-0770908 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $37K |
| CBIZ CPAS P.C. EIN 43-1947695 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| CVS PHARMACY, INC EIN 05-0340626 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $29K |
| AON CONSULTING, INC. EIN 22-2232264 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $26K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | — | $23K |
| WILLIS TOWERS WATSON NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | PO BOX 28842 NEW YORK, NY 100878852 | $22K |
| WESTIN CROWN CENTER IN KANSAS CITY NONE | Direct payment from the plan; Other fees Service code 50 | 1 E PERSHING RD KANSAS CITY, MO 64108 | $13K |
| CBIZ ADVISORS LLC EIN 34-1874260 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $13K |
| SPENCER FANE BRITT & BROWNE EIN 44-0561981 NONE | Legal; Direct payment from the plan Service code 29 | — | $8K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,918 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,400 | $1.7M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,816 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,816 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.